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How J&G Credit Recreations Assists Individuals to Gain Financial Stability Through Credit and Homeownership

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Homeownership is the key to generating wealth, but in today’s time, the way the financial system has evolved one can not purchase a home without having good credit. Infact, it’s pretty hard to live in today’s society with bad credit. J&G Credit Recreations, a local Mississippi credit repair company was created to help families overcome financial hardship and create generation wealth through affordable credit repair services that aids in helping first time homeowners. The company’s owner Jakneceya Womack believes that the best stability that parents can leave their children are assets and credit education. By teaching families the importance of credit and homeownership Jakneceya hopes to break the homeownership gap between African Americans and Whites, she now helps individuals in a multitude of ways.

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The 22 year old African American Woman, Wife, Author and owner of J&G Credit Recreations has assisted over 500 families overcome financial struggles and become first time homebuyers. The company’s mission is “ Recreate the Future by repairing the Past. She shares that “Over 80 percent of credit reports contain inaccurate information”. J&G Credit Recreations’ ensures that all its clients have accurate report credit files as FCRA law requires.

Growing up, Credit was not a common topic. It wasn’t taught in black communities nor was taught in black schools. It wasn’t until Jakneceya tried to purchase her first car at the age of 20 with a 419 credit score that she learned how important credit truly was. The feeling of being denied was something she never wanted to experience again. “How can you be ashamed of something that was never taught or enforced, “ said Jakneceya. Now had I not fixed the problem once I learned that it was truly a problem then I could see a reason to be ashamed. Through tons of research on fixing credit, Jakneceya was able to take her scores from 419 to 704 within a six months time period.

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Jakneceya began helping people who were close to her. With the influence of social media, it was then that she learned how not being taught about credit within the black community was a major issue. Jakneceya began making a name for herself by helping others just like her who were once financially illiterate to understand the importance of credit.

She has authored a book, A Bougie Girl Must Have “The Guide To Excellent Credit“ to share details about credit score and how it can impact in anyone’s life. To know more about credit repair anyone can visit jgcreditrecreations.com or their Instagram handle @jgcredit to directly get in touch with them.

As the financial industry continues to evolve it is clear that it will require initiative and hard work from those who wish to stay on top. One thing is for sure, however the space changes, it is certain that Jakneceya Womack will be there, leading the charge.

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Review: Bank of America® Customized Cash Rewards Credit Card for Students

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Now that most students are starting to return to in-person school, many young adults and their parents are once again looking for the right credit card. Having a credit card offers students a secure and convenient method of payment. It also helps students build credit and even earn some rewards. The Bank of America® Customized Cash Rewards Credit Card for Students excels at all of these tasks.

Key Terms

  • Welcome Bonus: Earn $200 cash rewards after spending $1,000 within 90 days of account opening.
  • Rewards: Earn 3% cash back in the category of your choice including gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Receive 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.
  • Annual Fee: None
  • APR: 13.99% to 23.99%
  • Promotional Financing Offer: 15 months of 0% APR on both new purchases and balance transfers.

How This Card Works

This card is a very competitive rewards card, especially for a student card. New applicants earn $200 in cash back after making $1,000 worth of new purchases within 90 days of account opening. You also earn 3% cash back in the category of your choice including gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Additionally, you earn 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.

But rewards shouldn’t be the most important thing to students. Instead, consider this card because it’s very easy for Bank of America customers to manage, along with their checking and savings accounts. It also helps students to build their credit by offering them a free FICO score each month. It’s compatible with digital wallet technology and can be managed by a full featured mobile app.

New accounts also receive 15 months of 0% APR financing on both new purchases and balance transfers, and there’s no annual fee for this card.

Advantages

While most student credit cards are very basic, this one comes with generous rewards, including a new account bonus. Other advantages are its promotional financing offer and free monthly FICO score. There’s no annual fee for this card, but that’s expected with a product designed for students.